1) Information We Collect
- Personal Identification: name, phone number, email address, postal address, and identity details where required by law.
- Vehicle & Insurance Details: vehicle registration number, make/model, policy numbers, quotes, claim details, renewal history.
- Communications: messages you send to us via WhatsApp, SMS, email, in-app chat, and call recordings where permitted.
- Technical Data: IP address, device and browser information, log data, and cookies or similar technologies on our website/app.
- Payment Information: limited billing details processed via our payment partners (we do not store full card details).
Where required, we will ask for your consent before collecting certain categories of data.
3) Legal Bases (where applicable)
We process personal data based on one or more of the following: (i) performance of a contract; (ii) compliance with legal obligations; (iii) our legitimate interests in providing and improving services; and/or (iv) your consent.
4) Sharing of Information
We do not sell your personal information. We may share information with:
- Insurance partners/underwriters and intermediaries to provide quotes, issue policies, and process claims.
- Service providers (IT, hosting, analytics, payment, customer support) under contracts requiring confidentiality and security.
- Regulators and authorities when required by law or to protect rights, safety, and property.
- Business transfers: in connection with mergers, acquisitions, or asset sales subject to appropriate safeguards.
5) WhatsApp & Third-Party Platforms
When you message us via WhatsApp Business Platform (a Meta service), WhatsApp may process metadata and message delivery information in accordance with its own policies. Please review the privacy policies of WhatsApp and Meta.
- We use WhatsApp to provide customer support and service notifications.
- We do not use WhatsApp messages for unsolicited marketing; template messages are used only where permitted.
6) Cookies & Tracking
We may use cookies and similar technologies to operate our site, remember preferences, and measure performance. You can control cookies through your browser settings. For essential service operation, some cookies may be required.
7) Data Security
We implement administrative, technical, and physical safeguards to protect personal data, including encryption in transit (HTTPS/TLS), access controls, and regular security reviews. However, no method of transmission or storage is 100% secure.
8) Data Retention
We retain personal data only as long as necessary for the purposes described above or as required by law (including insurance and financial record-keeping obligations). After the retention period, data is securely deleted or anonymized.
9) Your Rights
- Access, correct, or update your information.
- Request deletion, restriction, or portability of your data, subject to legal obligations.
- Withdraw consent where processing is based on consent.
- Object to certain processing based on legitimate interests.
To exercise your rights, contact us at [support@vicainsurance.in].
10) International Transfers
Where data is transferred outside your country, we implement appropriate safeguards (such as contractual protections) to ensure an adequate level of protection, in line with applicable laws.
11) Children’s Privacy
Our services are not directed to children under 18. We do not knowingly collect personal data from children. If you believe a child has provided personal data to us, please contact us and we will take appropriate steps.
12) Changes to This Policy
We may update this Privacy Policy from time to time. We will post the updated version on this page and revise the “Effective Date” above.
VICA INSURANCE